Counseling Services are tailored to meet the individual needs of a family. The following types or areas of free counseling are available:

Mortgage Default Relief Measures
Tenant and landlord rights
Referrals to community resources
Housing
Homeless referrals
Money management
Home purchase procedures
Housing Selection
Home Management
Property care & maintenance

Homeowners and renters, regardless of financial status may receive counseling for a variety of reasons. Clients are offered individual counseling to insure that they completely understand their situation, the options available to them and that they are satisfied with their chosen course of action.

While counseling is not limited to housing problems, most non-housing related problems are referred to other agencies more effectively equipped to help. Typical referrals are made to agencies such as Food Distributions Programs, Social Services, Legal Services, Health, Alcohol and Substance Abuse Agencies, Homeless Programs, Social Security Administration, Employment Development Departments, and sources of financial assistance.

Tenant / Landlord Counseling
Services include counseling on basic tenant and landlord rights. Other counseling topics in this area are:

Providing information and assistance in dealing with:

Eviction and unlawful detainer actions
Deposit returns
Habitability issues
Getting repairs done
Mediation of tenant / landlord disputes
Assisting tenant organizations
Legal counseling referrals
Pre-rental counseling

Housing Counseling
Counseling includes a face to face interview with the client to establish all the pertinent facts in a complaint.

Activities include documentation and verification of complaints, legal referrals, and legislative recommendations.

Default & Delinquency Counseling
PCSI provides confidential counseling to families who are in danger of losing their homes through foreclosure. Families are assisted to try and keep their homes and protect the equity they have built up.

This type of counseling consists of a personal interview and the development of a case management plan. A working relationship is established between the homeowner and lender and so as to determine the best relief measures. Every possible alternative to foreclosure is explored to reach a suitable solution.

Relief measure sought include:
Reinstatement
Forbearance agreements
Deed-in-lieu of foreclosure
Assignment of the Mortgage to HUD
Refinancing or recasting the mortgage
Sale of the property

Home Buyer Education
Potential homebuyers will benefit from the workshops geared to provide all the information needed to become a successful homeowner. Call for schedule and to be included in the workshop.